SUMMARY

• Over 9 years of extensive work experience as a Business Analyst, Risk Analyst, Credit and Insurance,Re - insurance Underwriter, Claims Analyst in Banking and Financial, Insurance,Re-insurance,P&C insurance, Health Insurance domains.
• Detailed knowledge of Equity market (Common and Preferred stocks), Fixed Income securities like MBS, TBA, CMO, Corporate Bonds, Municipal Bonds, Convertible Bonds, Junk Bonds, Treasury Bonds, Treasury Notes, and Treasury Bills. In depth knowledge of trading Derivatives which includes Options, Contracts (Future and Forwards) and Swaps (Interest Rate Swaps, Currency Swaps, Total Return Swaps, Credit Default Swaps) in Capital Market.
• Strong analytical skill in analysing Financial Risk such as Interest Rate Risk, Default Risk, Credit Risk, Inflation Risk, Operational Risk, Market Risk, Systematic Risk, and Volatility Risk associated with investment in securities. Detailed knowledge in Risk Management using metrics such as Greeks, VaR, Duration and Convexity.
• Knowledge of valuation (Pricing) of Bonds and Common Stocks. Helped in decision making of right investment through proper valuation by calculating Present Value (PV), Net Present Value (NPV), and Opportunity Cost. Detailed knowledge of evaluating Capital Budgeting and Risk associated with it.
• In depth knowledge of pricing models such as CAPM, Discounted cash flow, Binomial pricing, Black-Scholes, Time Series Analysis and Arbitrage pricing.
• Detailed knowledge of Financial Planning, Analysis and management of Working Capital
• In depth knowledge of Dodd Frank, Basel I/II regulations for transparency of transactions and stockholders’ interests.
• Vast knowledge of Financial Protocols such as FIX, SWIFT which helps to perform secured and streamlined communications across the Financial Institutions.
• Wide experience of performing tasks associated with Software/System Development Life Cycle- creating and developing project plan, feasibility and scope management, communication and bridging gaps between users, technical team, and QA team.
• Vast experience in performing SDLC tasks - Requirement gathering, Analysis and Feasibility, Creating Business Requirement Document (BRD), Transforming BRD to Functional Specification Documents (FSD), High Level and Low Level Design documents etc.
• Conducted GAP analysis in order to capture functionalities of existing system and analyse requirements of the proposed system or enhancement in order to bridge the GAP and design solution and followed various SDLC methodologies which include AGILE Scrum, AGILE Extreme Programming, Rational Unified Process (RUP), Iterative, and Incremental and Waterfall models to execute the proposed requirements.
• Practical experience in managing daily scrum meetings and maintained sprint and product backlog.
• Experienced in developing Requirement Traceability Matrix (RTM) for mapping the development and deliverables of the project.
• Proven expertise in generating UML diagrams- Use Case Diagrams, Activity Diagrams, Swim Lane Diagrams, Sequence Diagrams, Class Diagrams, State Diagrams, Process Workflow Diagrams with objective to develop comprehensive notation for communicating requirements, architecture, implementation, and system development.
• Experienced in working with Testing team, participated in writing Test Plan, Test Cases, Test Scenarios, RTM, Test Reports, and conducting various forms of testing which include Integration Testing, Smoke Testing, Regression Testing, White Box Testing, Black Box Testing and coordinating User Acceptance Testing.

TECHNICAL SKILLS

• MS Visio
• JIRA
• Banking and Finance
• Fixed Income
• Derivatives
• CCAR Basel stress testing
• Oracle
• HTML
• UML
• UNIX Shell Scripting.
• ASP
• Windows 95/98/XP
• Crystal Reports
• MS Office++
• Python
• DB2
• SQL server
• MS Access
• SAS( Base
• Enterprise Guide)
• Eviews
• Matlab
• Excel.

PROFESSIONAL EXPERIENCE

Sr. Business Risk Analyst

Confidential

Responsibilities:

• Facilitated the building of an Enterprise Risk Management Framework and Governance structure for the company.
• Coordinated with various Internal Operation departments (IT, HR) to understand key risk activities and mitigate those by implementing policies and procedures.
• Managing, Auditing & Maintaining network security through a methodical approach and security tools.
• Managed SharePoint and Business Intelligence team of up to 10 including staff, consultants, and off-shore resources.
• Set the agenda by bringing emerging and existing risks to the US Operations Risk subcommittee meeting.
• Lead in the analysis, development/adoption and implementation of Information Security policies, procedures, standards and guidelines.
• Kept abreast of various federal and state regulations and statutes that could potentially impact the company’s operational objectives.
• Gathered, prepare and analyse relevant risk metrics and data and present them to senior management.
• Maintain the organizations Security Procedures as per PCI DSS requirements that.
• Served as the SME for RCSA and Operational Risk Management methodology.
• Established an enterprise wide governance policy regarding Social Media risks.
• Developed an enterprise wide governance structure regarding ISDAs and Collateral management.
• Developed key risk indicators and operational dashboard.
• Developed tools and custom reports in Excel power pivot tables and distributed reports via SharePoint Server.
• Involved with Corporate Insurance policy coverage as a risk mitigation strategy for US and Japan business operations.
• Managed several ORSA related work streams such as Risk Appetite, Risk Policies and Risk Assessment.
• Understands COBIT 5 methodology due to a Risk Assessment project with our Information Technology department.
• Collaborate with Investment on Dodd-Frank regarding derivatives.
• Responded to information security assessments by independent auditors or customers resulting in improved client relationships.
• Knowledge of standard Risk Management & Control frameworks of COSO, COBIT, and regulatory guidelines including OCC and FFIEC.
• Written white paper explaining the Residual Risk Model relating it to the principles of CORAS and COSO.
• Perform daily Issue Tracking Database (ITD) administration including updating the database, reconciliation of the ITD and IAOA, CEA and database.
• Review and update policies and procedures in support of the issue tracking and the RCSA processes.
• Promoted security awareness across Firm by informing clients of access policies and procedures.

Business Analyst

Confidential, NC

Responsibilities:

• Coordinated Project Development throughout the SDLC
• Worked on feasibility testing and GAP analysis to find possible constrains during development.
• Closely worked with Project Manager, End Users, Developers, and Testing Team to meet business requirements in timely fashion.
• Conducted JAD sessions consisting of entire IT team to define solutions.
• Followed AGILE Scrum methodology for SDLC, helped business users to analyse possible requirements, assess the progress and prioritize user stories based on business requirements in the product backlog and conducted all meetings within the SDLC model
• Created UML diagrams for various process flows using MS Visio
• Designed user-friendly GUI Mock ups.
• Performed Risk Analysis through implementation analysis trend on various risk like Operational risk, Market risk, Credit risk, Interest Rate risk, Currency risk.
• Executed SQL queries to retrieve, validate and build user reports.
• Assisted QA team in writing test cases, test plan, test strategy and performed many GUI, Functional and Non Functional tasting.

Environment: Windows 2000/Unix, MS Project, ASP, .NET, SQL server, Web Logic, Mercury Quality Centre, QTP.

Business Analyst

Confidential, MA

Responsibilities:

• Performed in- depth GAP analysis with different business users to accommodate the requirements.
• Effectively facilitated Joint Application Development (JAD) sessions to gather, finalize and document requirements.
• Created high level design documents and Functional Specification document.
• Followed generic path to gather requirements and maintained log for requirement tracing.
• Assisted in modelling of workflow and business process.
• Generated Use Case diagrams, Activity diagram and Sequence diagram.
• Worked with Development team and QA team to clarify functionality, resolve issues and provided feedback to ensure quality of the end product by assist them perform system testing. Used QC to define and develop test cases, test plan, test strategy.

Environment: Windows 2000, J2EE, UNIX, UML, Rational Rose.

Sr. Credit Risk Analyst

Confidential, McLean, VA

Responsibilities:

• As a Business Analyst, I completed various projects at Confidential including CCTS, Risk Rating, and Pricing Execution.
• CCTS (Counterparty Credit Tracking system) was a project with the ERM-Counterparty Credit Risk Management group. The project was to build a system and design processes to track counterparty credit. Risk Management Project was with the FAU (Financial Analysis Unit) and capital markets group to assign ratings to counterparties within the Confidential universe.
• Re-engineered the existing Internal ratings model for each major customer type such as Banks, Credit Unions, Thrifts, MBs, MIs, Broker Dealers, HFA's and MF (investors and operators) that included switching from a pre-defined scale based rating system to a Probability of default based ratings system, which is more consistent with OCC standards.
• Participated in change management or process re-engineering team.
• Support the risk application in the Risk & Reporting department in regard to risk management, Value-At-Risk (VAR) and reconciliation of risks feeds.
• Managed Business Process Redesign using Six Sigma methodology for the Counterparty Credit Risk Management in the areas of Counterparty Eligibility Assessment, Risk Surveillance, Risk Mitigation and Corporate Governance and Audit Compliance for single family, multi-family and capital markets services.
• Domain expertise included evaluation of Internal risk Ratings, ALGO Limits and Credit Risk Exposures, Risk Exposure Modelling, REPO/ ABCP/ MABS/ MRB/ Fed Funds/ MMF/ Custodian monitoring, Rep & Warrants assignments, Deal Pipeline Management processes, Form 16, Form 1107, Form 1035 and EORM results.
• Project required extensive use of Business data reporting tools such as Micro Strategy and Business Objects.
• Wrote and distributed high quality, accurate and informative communications for the Risk Business Intelligence group.
• Manages quantitative team in developing, validating, and maintaining credit loss models for the CCAR submissions.
• Updated the Business Continuity Plan with the Operational Risk Management team.
• Calculated the amount of unrealized holding gains/losses reported as Other Comprehensive Income (OCI).
• Devised and implemented a business solution to track counterparty risks to Confidential business.
• Re-engineered business processes to manage customer Risks and handle counterparty transactions according to the risks exposed to.
• Responsible for Conducting JAD Sessions, requirements and Change Requests (CR) meetings.
• Led the team in collecting and writing the business requirements.
• Worked as an SME for the UAT.
• Collectively created prototypes to present to the business for the business requirements.
• Created Business cases and worked closely with the model governance to obtain the approval on models and their usage by the business teams.
• Created business data glossaries and worked with the system architects to create system mappings and logical data models.
• Actively created the task lists, Project plans, test plans, and updated MS Project in accordance with the business project manager.

Commercial Credit Analyst

Confidential, Charlotte, NC

Responsibilities:

• Performed financial analysis and credit reviews for commercial loans. Completed memoranda containing spreads, trend analysis, global cash flow, and guarantor analysis for my review.
• Analysed credit data and financial statements to determine the degree of risk involved in extending credit to new loan customers.
• Performed annual reviews on existing loan customers to ensure ongoing credit worthiness.
• Consulted with lending officers to resolve issues and verified financial and credit transactions.
• Prepared reports that included the degree of risk involved in extending credit.Compared liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Achieved 100% approval rate (loan submissions /commitments) during tenure with bank.
• Responsible for analysing and monitoring credit worthiness of assigned customers/accounts and recommending and/or approving credit lines within established guidelines.
• Analysing financial statements and completing ratio, trend, and cash flow analysis of statements to determine if a customer is eligible for financing and determine appropriate credit Risk Rating.

Claims & Risk Analyst

Confidential

Responsibilities:

• Take statements and consult with claimants, accident witnesses, doctors and other relevant individuals and examine records or reports.
• Determine amount of loss or damages covered by insurance policies.
• Negotiate settlement of claims.
• Prepare adjustment reports.
• Checking for the policy no in the client allocation list.
• Indexing the client document with the correct policy no and commit the client document.
• Updating TTS with the received date and clerkid.updating next 4 qtrs. worth of account in TTS.
• Creating RTAP entry using AON received date and update on post by using date on the document.
• Checking U/W Treaty correspondence, internal correspondence and client treaty correspondence for any outstanding queries.